Michael Pierce is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2016. He has been with Fidelity since 2010, progressing through roles including Financial Consultant, Investment Consultant, and Financial Representative. With over 15 years of experience at Fidelity, he partners with clients to help them make informed financial decisions. Michael's expertise includes comprehensive wealth planning aimed at guiding clients and their families through prudent and efficient financial strategies. He holds a California Insurance License, supporting his ability to provide a range of financial services. Outside of his professional work, Michael enjoys fitness, golf, outdoor adventures, skiing, and traveling.

John Metallic is a financial advisor with Charles Schwab who holds Series 63 and Series 66 designations and has 36 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank, SSB since 2006. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by in-house financial research.

JJ Fajardo is a Financial Consultant currently working at Fidelity Investments since 2024. He has 15 years of experience in the financial services industry, during which he has focused on assisting clients in building financial plans and investment strategies aimed at achieving their life goals. JJ holds a Bachelor of Arts in Business Administration with a concentration in Finance from California State University, Fullerton, where he graduated magna cum laude. He also completed the university's Financial Planning Certificate program. Prior to his current role, he served as a Financial Advisor Assistant Vice President at Merrill Lynch, Pierce, Fenner & Smith Inc. from 2022 to 2024. He holds a California Insurance License.

Laura Miri is a CFP® with 21 years of industry experience, currently serving as a financial advisor at Wells Fargo Advisors since 2009. She holds the Series 66 designation and is based in Menlo Park, CA. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, offering investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, including specialized areas such as business-owner transition planning and special-needs analysis, supported by proprietary research and planning tools.

Daniel Miller is a Series 66-credentialed financial advisor at Charles Schwab in San Francisco, CA, with one year of industry experience. His prior roles include positions at Celigo, Emergence, and Doma, as well as periods dedicated to extended travel. Charles Schwab serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advice and access to discretionary separately managed accounts, supported by a multi-asset model portfolio approach and centralized operational infrastructure.

Edward Van Der Velden is a financial advisor at UBS Financial Services with eight years of industry experience. He holds a Series 66 designation and has worked at UBS in multiple capacities since 2016, with a brief tenure at Morgan Stanley in 2017. Prior to his advisory career, he was affiliated with Santa Clara University for four years. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and research to tailor investment plans. The firm integrates institutional trading capabilities with wealth management services, providing a range of products including fee-based financial planning and discretionary portfolio management.

Queenie Ngo is a financial advisor at Wells Fargo Clearing with seven years of industry experience. She holds the Series 66 designation and has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, providing investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions through a large network of financial advisors.

Brian Echeverria is a financial advisor at Merrill with eight years of industry experience. He holds the Series 66 designation and has worked at both Bank of America, N.A. and Merrill since 2014. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies developed by internal and third-party managers.

Raymond Jew is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Merrill Lynch, Concert Wealth Management, and Morgan Stanley. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of wealth advisors, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research, using forward-looking capital market assumptions to build model asset allocations.

Anna Levaggi is a financial advisor at Merrill with 31 years of industry experience. She holds a Series 63 designation and has worked at Merrill Lynch since 2013, following two years at J.P. Morgan Securities. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jonathan Lee is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and bringing five years of industry experience. He previously worked at Citigroup/Citibank for ten years before joining JPMorgan Chase Bank, N.A. and J.P. Morgan Securities in 2026. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting with client decision-making authority.

Tyson Lai is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His prior work includes six years at Prudential Equity Group, LLC. Tyson has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm offering investment advisory, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and combines brokerage and advisory services with research-driven investment strategies.

Jason Ting is a Wealth Management Advisor at Merrill Lynch Wealth Management. He began his career in financial services in 2002, joining his father and brother at Merrill Lynch. Jason focuses on philanthropic giving strategies and has appeared in national and local television and print media as an approved financial advisor spokesman for Merrill Lynch. He strives to understand each client's individual needs to help craft wealth management strategies tailored to meet short-term needs and long-term goals. Jason has earned several professional designations, including Certified Investment Management Analyst (CIMA), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He graduated from the University of California, San Diego with a bachelor's degree in Communications and a minor in Video Production/Public Relations. Jason is multilingual, speaking Korean, Spanish, Chinese, and English. In addition to his professional work, Jason is involved in community organizations such as the Leadership Council of San Mateo County, Mills-Peninsula Hospital Foundation, Protect Our Defenders, and Samaritan House in San Mateo County. He has served on boards and in fundraising roles. In his free time, Jason enjoys playing tennis, attending the theater, and pursuing his interest in cars. He lives in San Mateo, California with his wife and daughter.

Paul Luciano is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he has worked since 1993. He serves a client base consisting mainly of entrepreneurs and venture capitalists, focusing on comprehensive financial planning and portfolio management. Paul emphasizes liability management, tax minimization, estate planning, and the inclusion of non-correlated assets such as private and public equity and alternative investments in portfolios to help clients achieve their long-term financial goals with reduced risk. Paul holds a Bachelor's degree in Finance from California State University, Long Beach, and also studied at Northeastern University in Boston. He is a CERTIFIED FINANCIAL PLANNER™ certificant and holds the Chartered Retirement Planning Counselor™ designation. In his role, he manages portfolios on a discretionary basis, using a variety of investment strategies including individual securities, model portfolios, and third-party strategies. Originally from New York, Paul has lived in the Bay Area for over 30 years. He and his wife, Leslie, have three children and share interests in fitness and outdoor activities such as skiing and golf. Paul is also involved in community service, having served on several non-profit boards.

Araceli Castaneda Ramirez is a financial advisor at Morgan Stanley in San Mateo, CA, holding a Series 66 designation with two years of industry experience. She has been with Morgan Stanley since 2017 and previously worked at H&R Block and American Girl. Outside of her advisory role, she owns and operates retail online stores on platforms including Etsy and Facebook Marketplace and has worked as an extra/actor/model. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients, offering financial planning and a wide range of advisory programs supported by structured planning tools and broad market expertise.

Brian Yoo is a financial advisor with Wells Fargo Clearing in Palo Alto, CA. He holds a Series 66 designation and has over 13 years of experience at Wells Fargo affiliated entities, including Wells Fargo Bank and Wells Fargo Clearing Services. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Rasa Petrauskaite is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. She holds Series 63 and Series 65 designations and has previously worked at Morgan Stanley, Bank of America, Merrill, and other firms. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering non-discretionary asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence and a combination of quantitative and qualitative research.

Robert Gardner is a Series 66-licensed financial advisor with 22 years of industry experience. He has worked at Wells Fargo Clearing since 2024 and previously held positions at Charles Schwab and TD Ameritrade. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment menus.

Jordon Luo is a Financial Consultant who employs a consultative, data-driven approach to financial advice, focusing on planning, portfolio construction, and measurable outcomes. He assists clients in evaluating trade-offs, managing risk, and aligning investments with long-term goals, with particular attention to tax efficiency. Jordon has held several roles in the financial services industry, including Investment Consultant and Planning Consultant at Fidelity Investments, Relationship Manager for Corporate Brokerage Solutions at Morgan Stanley, Branch Service Representative at E*TRADE from Morgan Stanley, and Relationship Banker and Small Business Specialist at JPMorgan Chase Bank, N.A. He holds a California Insurance License. Outside of his professional career, Jordon competes as a professional MMA athlete, an experience that reinforces discipline, preparation, and accountability in his client relationships. His personal interests include comedy, fitness, and golf.

Carl Wong is a Financial Consultant currently working at Fidelity Investments since 2024. He has extensive experience in the financial services industry, having served as a Financial Consultant at Charles Schwab from 2020 to 2024, Branch Manager roles at TD Ameritrade from 2018 to 2020 and at Scottrade from 2016 to 2018, and as an Investment Consultant at TD Ameritrade from 2014 to 2016. In his role, Carl focuses on helping clients strengthen their financial wellbeing by collaborating to create customized planning strategies. He emphasizes understanding clients' goals thoroughly and providing personalized guidance, aiming to build lasting relationships and support clients through various life stages. Carl holds a California Insurance License. Outside of his professional work, Carl has personal interests in comedy, hiking, and movies.